At present, there is almost one credit card, and everyone likes to swipe it, but if you leave it alone, you will find that you have a big loophole to fill when you pay back the money, so you must always pay attention to your consumption bill. So how do you inquire about the consumption details of credit cards?
1. Call the customer service hotline of the bank credit card service center, transfer the manual service, and enter the ID number according to the prompt for bill inquiry.
2. You can bring your ID card and bank card to the nearby bank counter for inquiry.
3. You can query through mobile banking or online banking, log in to your personal account, and find account management to query.
The bank credit card will send you a bill every month, and you can check the consumption record in the bill.
The above is the introduction of how to inquire about the details of credit card consumption. You can choose the method that suits you. I hope it works for you.
How to inquire about credit card consumption records?
Credit card consumption records can be queried directly at the bank counter, or through online banking, mobile banking, third-party software and other channels.
1. Online Banking: After entering my account, users can log in to online banking to inquire about transaction details, so as to inquire about specific consumption records.
2. Bank counter: The cardholder brings the original ID card and credit card to the issuing bank to ask the staff to help check the transaction details, and can also print the transaction details bill for free.
3. Mobile Banking: Cardholders can log in to the mobile banking app of the issuing bank, and after logging in, they can check the transaction details.
4. Third-party software query: When the bank card is bound to third-party software such as WeChat and Alipay, you can query the consumption record through the bill.
Extended data:
The credit card application conditions of all banks are similar, and the basic application conditions are as follows:
1, applicant's age
The main card applicant must be 18 years old or above, but the maximum age limit of each bank is different. For example, China Merchants Bank, China CITIC Bank and Shanghai Pudong Development Bank are all 60 years old. Guangfa, Bank of Communications, Minsheng, Ping An and Huaxia are 65 years old; CCB is 70 years old.
Supplementary card applicants can generally apply for 16 years old, among which China Merchants Bank and Agricultural Bank require 14 years old or above, while Minsheng and China Construction Bank can apply for 13 years old.
2. Personal economic strength
Applicants should have a stable job and legal income, and have certain repayment ability.
3. Credit information
Personal credit information is good, and there is no bad credit record, especially no credit card, loans overdue, cash withdrawal and other behaviors.
Of course, these are the most basic conditions. Even if you meet these conditions, you may not be able to pass the examination and approval 100%. In addition, some cards require special conditions, such as assets reaching a certain scale and so on.
Credit card withdrawal:
When applying for a credit card, the bank will approve the amount according to the applicant's comprehensive qualifications, and the credit card can also be used to raise the amount. The method is as follows:
First, more credit card spending.
If you want to increase the credit card limit, you should spend more by credit card. If you can swipe your card, try to swipe it. It is best to keep a stable consumption record for several months before applying for withdrawal, and it is best to swipe your card about 20 times a month. Merchants who swipe their cards should also be diversified.
Second, properly handle the staging.
Appropriate installment is beneficial to credit card withdrawal, but it is best not to be too long, 3 to 6 installments are enough, and the installment amount is not too large. For example, it is very appropriate to apply for installment after spending on some holidays, and the success rate of withdrawal is also high.
Third, make a good record of using the card.
If you want to return the credit card, a good credit card record is essential, because there is no way to return the credit card because there is a bad record on the credit information, so you must repay it on time to avoid illegal operations such as overdue and cash withdrawal.
How to query the detailed bill of credit card consumption
Offline inquiry: users can bring their ID cards and credit cards to offline banks, use self-service machines or go to the counter to ask staff to help inquire about the detailed bills of credit card consumption.
Mobile banking inquiry: Take CCB version 5.6.7.00 1, Apple 13(IOS 15.2 system) and Huawei mate40(HarmonyOS2 system) as examples:
Step 1: The user opens the CCB APP, logs into his bank account, and clicks "Credit Card" at the bottom of the homepage.
Step 2: Click "Card Service".
Step 3: Click "Bill Inquiry" to view the details of credit card consumption.
Official website query (taking construction behavior as an example):
Step 1: Open the browser to official website of China Construction Bank and log in.
Step 2: Hover the mouse over "Credit Card" and click "Transaction Details" to view it.
Users should pay attention not to overdue when using credit cards. Once the credit card fails to repay on time within the due repayment period, penalty interest will be charged at the daily interest rate of 0.5 ‰ from the date when the credit card is overdue until the customer pays it off in full. The longer the overdue period, the more penalty interest will be generated, and the more customers should repay.
The overdue situation will also be reported by the bank to the central bank's credit information system, leaving a bad record in the personal credit information report, resulting in personal credit damage. Credit cards may also be frozen and unusable.
Coupled with blind consumption of credit card quotas, credit cards are constantly being hollowed out. The repayment burden of customers is bound to be heavy, and the risk of accounts will rise a lot. At that time, it is likely to be reduced by the wind.
So much for the details of credit card consumption.